Call reports 2004
PROFINIUM, INC. — 2004
What PROFINIUM, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 186,459,000 | 190,042,000 | 206,339,000 | 218,975,000 |
| Total loans | 148,148,000 | 157,087,000 | 170,565,000 | 178,134,000 |
| Allowance for loan losses | 2,132,000 | 2,175,000 | 2,094,000 | 2,038,000 |
| Securities available for sale | 20,967,000 | 20,406,000 | 19,877,000 | 20,431,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,260,000 | 152,986,000 | 176,401,000 | 188,905,000 |
| Interest-bearing deposits | 135,513,000 | 133,125,000 | 156,445,000 | 161,262,000 |
| Noninterest-bearing deposits | 20,747,000 | 19,861,000 | 19,956,000 | 27,643,000 |
| Equity capital | 22,786,000 | 22,797,000 | 23,590,000 | 23,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,563,000 | 5,246,000 | 8,321,000 | 11,317,000 |
| Interest expense | 761,000 | 1,482,000 | 2,312,000 | 3,243,000 |
| Net interest income | 1,802,000 | 3,764,000 | 6,009,000 | 8,074,000 |
| Noninterest income | 218,000 | 424,000 | 680,000 | 828,000 |
| Noninterest expense | 1,407,000 | 2,742,000 | 4,107,000 | 5,523,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 553,000 | 1,386,000 | 2,522,000 | 3,319,000 |
| Income tax | 2,000 | 4,000 | 5,000 | 6,000 |
| Net income | 551,000 | 1,382,000 | 2,517,000 | 3,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,360,000 | 18,843,000 | 19,499,000 | 19,959,000 |
| Total capital | 20,364,000 | 20,940,000 | 21,593,000 | 21,997,000 |
| Risk-weighted assets | 160,157,000 | 167,646,000 | 181,759,000 | 191,693,000 |